student loan call

My boyfriend got a Call from this company called Williams Rush and Associates looking for a friend of mine! Come to find out from reading this stuff that they are nothing but fake!

They have started calling me at work.  Threatened to garnish my wages, refused to mail me anything.  They are rude and harrassing.  I was going to work with them until I began doing research on Williams rush and associates.  They are trying to collect on a small online school loan that the school never even notified me I owed from 2010.  I didn't even know I had a balance.  This company has had me so upset the last 2 days calling my work and cell every few hours.

They emailed me a list of my school tuition and fed loans.  When I requested them to mail me certified information they refused and pulled dates out of the air stating they had mailed me in the past and I  didn't reply.  Well....that's because I never received anything in the mail from them.  I almost put my cc info in an email to them but stopped after doing a bit of research.

Same thing happened to me yesterday.  With Everest being the school. I almost gave in.  I haven't received any information on outstanding monies owed to Everest so I am going to contact them directly.

NEVER put your credit card or debit card or bank account information in ANY email.

Email is not secure and can be intercepted anywhere along the path it takes to get to the recipient !!

The problem when dealing with deceptive, unfair, and exploitative debt collection tactics is you seldom know the reason or to whom you're actually talking to. Deceptive excuses can fall under calling relatives, friends, and others. Everest http://www.everest.edu/locations/map but they do use ECMC http://www.everest.edu/why/campus_life/financial_aid known for less than professional or ethical behavior shown their clients http://www.nytimes.com/2014/01/02/us/loan-mon ... -debt.html?_r=0

I received a call from this company tonight as well saying they needed to talked me about a matter in my county court.  I called back after hours and left a message. After reading all of these comments I will make sure I don't talk to them.

Called the original place of debt.  They say they sent me an email about an over due debt. To which I say I never got. Then she proceeded to tell me when it was emailed and and to what email address.  Ok so I tell her never got it. That was the only way the original debtor try to contact me for the past due balance that I forgot about.  Then proceeded to tell me the this company William R actually bought the debt and I now longer owe the school.   Now the new place sent me a validation email so they say but I thought it had to be mailed a hard copy for it to be legal?  They call every so often but I don't answer.

Yes are correct that their debt validation letter needs to be sent to you via the postal service.  Email, FAX, phone calls do not meet the requirement.  If they refuse to mail it to you, that is a big red flag that they are not on the up and up.

The original debtor is you.  A third party debt collector must send you a letter in the mail within 5 days of first contact.

You need to learn what your rights are.

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

You need to send them a certified, return receipt debt validation letter (think of it as the best $6.47 you ever invested).  Also send it first class mail in case no one will sign for it.  Make a notion of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

I almost just fell for the same scam!!! Same company!! The college network.